Taking out loans and strategically paying them off is a primary part of playing Animal Crossing: New Horizons. While some upgrades to a player’s town only cost the player resources, personal home upgrades can cost a steep amount to fully finish. Players repeatedly pay off increasingly staggering loans to Tom Nook, who then offers yet another space of the same size to be purchased. Because of this, players can spend far more than they may realize for the all space they need to house all their DIY decorations and event furniture.
Home loans aren’t the only thing that might be weighing on a Animal Crossing fan’s finances however. Bridges and staircases for the community also cost a solid amount, coming directly from the player’s pocket, if they want to be able to get to other parts of their island without a ladder or a pole to jump over rivers. There are eight different types of bridges and staircases that range between 98,000 and 228,000 Bells for each installation. Because of this, those wanting to design elaborate communities will see the cost add up quickly.
Players might be wondering exactly how much Tom Nook makes off their house by the time all the house upgrades in Animal Crossing have been completed. To find the total cost, below is a list of every Animal Crossing: New Horizons upgrade available for a player’s home, and what Tom Nook charges players to have the upgrade installed. While no one knows what he would spend the money on, he clearly has more than enough because of these upgrades to buy several islands of his own when he is done bleeding the Bells from Animal Crossing players.
Animal Crossing: New Horizons Upgrade Costs From Tom Nook
Below is a list of each update that Animal Crossing players can purchase, and the cost as requested by Tom Nook, including the recent storage expansion cost.
- First Home Loan – 98,000 Bells
- Second Home Loan – 198,000 Bells
- Third Home Loan – 348,000 Bells
- Fourth Home Loan – 548,000 Bells
- Fifth Home Loan – 758,000 Bells
- Sixth Home Loan – 1,248,000 Bells
- Seventh Home Loan – 2,498,000 Bells
- Storage Expansion Up-Front Cost – 500,000 Bells
In total, a fully expanded Animal Crossing house with complete storage will set a player back 5,696,000 Bells. With the addition of one staircase and one bridge, the total comes to a startling 5,892,000 Bells. Earning money in Animal Crossing: New Horizons is part of what makes the game challenging, if players don’t time travel to play the Stalk Market to earn money quickly. Knowing they will have to pay nearly 6 million Bells to complete a home they may find in a simple suburb might make players wonder what Tom Nook will do with all the money he manages to get from the player, and if an island home is really worth so many hard-earned Bells.
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